Individual disability insurance is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Disability insurance policies are very different. Disability insurance isn't a product to simply shop for the most competitive rate. Choose carefully disability insurance policy. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. You can get information regarding the major features of a disability insurance policy in our office in Strongsville, Ohio. So, you may better understand how to read a disability insurance policy in Ohio. You can get free online disability insurance quote.